Also, as of January 31, 2021, we administered 7.0 million complementary CDBs. Our business model provides strong visibility into our future operating performance. Balances remain in the account until used, i.e., there is no "use or lose" requirement. Dependent care flexible spending accounts. Leadership and first-mover advantage. We believe our DEEP Purple culture drives our success. Investment advisers also are subject to certain state securities laws and regulations. The survey focuses on team member loyalty, engagement, and satisfaction indicators. Substantially all of our revenue is earned from tax-advantaged HSAs and other CDBs. We also rely on intellectual property licensed from third parties. Replacing our third-party vendors would be difficult and disruptive to our business. There are inherent risks in integrating and managing acquisitions. We have invested substantial time and resources in building our team. We currently intend to retain all our future earnings, if any, to fund our growth.